They can leave them in FC's but simply expand access and give those without a FC a venue to access the content by placing them in Grand Companies as well. It would give everyone access to something that pretty much only the FC leadership and a select few are allowed to profit by.
Yes she could share with her husband but you can't add alts to a private house. It's why some of us will create a small FC to give them access to the house. It's another issue that has been festering since SE said it would be looking into it back in 4.2. It's ridiculous that after all this time this still isn't a thing especially after successfully preventing alts from buying their own personal housing with the new rules back then. Houses should have account wide access regardless of server or DC in my view for alts on the same service account.